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General Terms Version 21: 1 May 2020

We pride ourselves on our professional and friendly staff who offer quality customer service with integrity. We deliver on our guarantee to serve our customers through our adoption of the Customer Owned Banking Code of Practice. OUR 10 KEY PROMISES TO YOU 1. We will be fair and ethical in our dealings with you 2. We will focus on our customers 3. We will give you clear information about our products and services 4. We will be responsible lenders 5. We will deliver high customer service and standards 6. We will deal fairly with any complaints 7. We will recognise our customers’ rights 8. We will comply with our legal and industry obligations 9. We will recognise our impact on the wider community 10. We will support and promote this Code of Practice You can download a full copy of the Code at customerownedbanking.asn.au

General terms About these terms MyLifeMyFinance Limited ABN 54 087 651 750 (MyLife MyFinance, we, us, our), holds Australian Financial Services Licence (AFSL) and Australian Credit Licence number 245606 issued by the Australian Securities and Investments Commission (ASIC). These terms are for MyLife MyFinance accounts and services offered by us, and you agree to accept them by opening an account with us. Our Product Disclosure Statement (PDS), Interest Rates Schedule, and Fees and Charges Schedule which contain additional terms and information applicable to our financial products. You also agree to accept them by opening an account with us. It’s important you read these terms and the above-mentioned documents carefully before deciding to open an account with us. We recommend that you retain this document for future reference. Alternatively, these terms and the other documents referred to above are available via our website mylifemyfinance.com.au or on request by contacting our office on 03 9629 4484 during our office hours: between 8:30 am and 4:30 pm EST/EDT, Monday to Friday. Changes to these terms We may make changes these terms and the terms set out in the PDS, Interest Rates Schedule and Fees and Charges Schedule from time to time. If we do, we will give you notice, as specified under the Customer Owned Banking Code of Practice. You agree to be bound by our updated terms. Electronic consent You agree to us sending you information electronically – by email, text message or via Internet Banking. We may also send you information by mail. It’s your responsibility to let us know if your contact details change so we can keep you informed of any changes. Our warranty of compliance We warrant that we will comply with the provisions of the ePayments Code and the Customer Owned Banking Code of Practice. Where the ePayments Code applies, your liability and responsibilities do not exceed your liability and responsibilities under the ePayments Code, despite any other provisions in these terms.

Privacy Your privacy is important to us. Please read our privacy policy, which is available on our website mylifemyfinance.com.au Complaints We have an internal dispute resolution scheme to deal with any complaints or disputes concerning our services. If you have a complaint, please contact the Internal Dispute Resolution Officer on 03 9629 4484 during our office hours, who will assist you in the resolution of the dispute and advise you about the complaint handling process and the timeline for handling the complaint. If an issue has not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA). AFCA provides fair and independent financial services complaint resolution that is free to consumers. Website: www.afca.org.au Email: info@afca.org.au Telephone: 1800 931 678 (free call) In writing: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001 Details of our internal and external dispute resolution schemes are available on our website mylifemyfinance.com.au The Financial Claims Scheme The Financial Claims Scheme (FCS) is an Australian Government scheme that provides protection and quick access to deposits in the unlikely event that a financial institution fails. Under the FCS, certain deposits in our financial products are protected up to a limit of $250,000 for each account holder, meaning you may be entitled to payment under the financial claims scheme. The FCS can only come into effect if it is activated by the Australian Government when an institution fails. Once activated, the FCS will be administered by the Australian Prudential Regulation Authority (APRA). Further information about the financial claims scheme can be obtained from the APRA website at http://www.apra.gov.au and the APRA hotline on 1300 13 10 60. Further information We reserve the right to withdraw any of our accounts, services, and/or their associated features if you fail to operate them as per these terms.

Account terms These terms apply to all of our financial products. Opening an account You can apply for an account with us if you: • are an individual and 14 years old or over • are solely a tax resident of Australia • have an email address and an Australian mobile phone number • have an Australian residential address. When opening an account with us or when you become an authorised signatory, we must verify your identity. You can also apply for an account with us if you’re a corporate entity, such as a partnership, corporation, or unincorporated association. If you’re a corporate entity, you must provide us with documents to verify your ability and authority to open an account with us. You must notify us if there are any changes to these documents, officers or persons authorised to operate the account(s).


Authority to operate the account If you apply for an account, whether individually, jointly with another person, or as a corporate entity where there is more than one signatory, you may individually operate that account unless otherwise specified to us in writing. Joint account Under a joint account, all account holders will have authority to operate the account until we are otherwise informed. Your joint account will operate on an either-to-sign basis, meaning that any account holder can operate the account. Account operations Authorised signatories You are required to provide us with details of who is authorised to operate the account(s). You are responsible for all transactions the authorised person carries out on your account(s). You may revoke the person’s authority at any time by giving us notice in writing. Authorised representative For accounts owned by corporate entities, an authorised representative may be nominated in addition to the authorised signatory. The authorised representative can enquire about the account - such as account balance, interest rate, or maturity date. An authorised representative cannot instruct us to open additional accounts, close accounts, transact from accounts or, in the case of Term Deposits, reinvest the Term Deposit account. Deposit and withdrawals Deposits to your account(s) can be made by: • transferring money from another Australian bank account • transferring money from one of your other accounts held with us by using Internet Banking or our app, or • asking your employer to pay your salary directly into your account. Withdrawals from your account(s) may be made by: • making a purchase using your eftpos card, online or in person, within Australia • transferring money to one of your other accounts held with us using Internet Banking or our app • transferring money to another Australian bank account using Internet Banking or our app • paying a bill with BPAY using Internet Banking or our app • instructing a third-party to set up a direct debit payment • personal cheque (if we’ve provided this facility to you) • using your debit card to take cash out at an ATM or point of sale (where available). Overdrawn accounts You cannot overdraw your account(s) without prior agreement. Although we may honour a payment, any amount overdrawn is repayable immediately. Fees and charges We will debit from your account(s): • any government charges or taxes that relate to your account(s), and • any service, transaction, or other fees and charges that we may charge, as outlined within our Fees and Charges Schedule. We may alter our fees and charges (including creating new fees and charges). Any such changes will be notified to you in accordance with these terms and updated in our Fees and Charges Schedule. A copy of this document is available on our website mylifemyfinance.com.au If you request we can provide further information about our fees and charges.

Statements Statements are issued at least twice a year (i.e. end of June, and end of December). It is important to check your statement transactions carefully and if incorrect, notify us immediately or as soon as practicable. Closure of accounts You can close your account by contacting us in writing. The net credit balance (i.e. account balance less money owed to us and any applicable fees and charges) will be paid to you. If you have them, you should destroy your eftpos card and personal cheque book. It is your responsibility to cancel all other facilities (such as direct debit payments and periodical payments). We may close an account due to unsatisfactory conduct or for any other reason considered appropriate, including bankruptcy.

Financial products This section contains terms which are applicable to the specific financial products referred to below. Savings accounts terms Access account Our Access account is an ‘at call’ account for your everyday banking needs. The Access account is opened automatically when your application is approved with us. You’ll enjoy the following: • $0.00 monthly fees • no minimum balance is required • access to fee-free banking through Internet Banking and our app • funds are available ‘at call’ (subject to cut-off times) • make payments with: ɕ eftpos card ɕ Pay Anyone using a BSB and account number ɕ BPAY ɕ Direct Debit ɕ Cheque facilities (not available for new customers). Offset arrangement If you hold one of our eligible loan products, you can choose to include your Access account in an Offset arrangement with that loan account. There are some things you need to be aware of: • you can add or remove the Access account from an Offset arrangement by contacting us in writing • the actual balance (less any uncleared funds) of the Access account is the amount used in offsetting the balance of the loan account for the purpose of calculating how much interest you’ll be charged on the loan account • the Access account can only be linked to a loan account in the same name(s) • the Access account can only be offset against one nominated loan account. MySavings account Our MySavings account is an ‘at call’ online savings account. You’ll enjoy the following: • $0.00 monthly fees • no minimum balance is required • access to fee-free banking through Internet Banking and our app • a higher rate of variable interest than our Access account, with interest calculated daily and paid monthly • funds are available ‘at call’ (subject to cut-off times) • make payments with: ɕ Pay Anyone using a BSB and account number ɕ BPAY. Investment accounts terms Term Deposit account A Term Deposit allows you to invest for a fixed term ranging from 31 days to 24 months at an interest rate fixed for that term. You’ll enjoy the following: • investments ranging from as little as $5,000 • investment terms ranging from 31 days to 24 months • a fixed interest rate for the investment term with interest calculated daily and:


ɕ paid at maturity for terms up to 12-months or ɕ either paid monthly or at maturity for 12-month terms or ɕ either paid monthly or yearly for 24-month terms. Once the fixed term expires you gain access to your funds. A cooling-off period of seven calendar days from the date of maturity applies. Depending on the term and rate, other minimum and maximum investment amount requirements may apply. Further disclosures about our Term Deposit Account are contained in our PDS. Wholesale Term Deposit account A Wholesale Term Deposit allows you to invest for a fixed term ranging from 31 days to 24 months at an interest rate fixed for that term. You’ll enjoy the following: • investments ranging from as little as $500,000 • investment terms ranging from 31 days to 24 months • a fixed interest rate for the investment term with interest calculated daily and: ɕ paid at maturity for terms up to 12-months or ɕ either paid monthly or at maturity for 12-month terms or ɕ either paid monthly or yearly for 24-month terms. Depending on the term and rate, other minimum and maximum investment amount requirements may apply. It is a statement based account providing access to your funds upon maturity. If maturity falls on a weekend or a public holiday, the maturity date will occur on the following business day. There are no monthly access fees or transaction fees associated with this account. Other fees such as dishonour fees may apply. Please refer to our Fees and Charges Schedule. Your deposit is invested at a fixed rate and for a fixed term. Publicly available interest rates may rise (or alternatively fall) during the term of your investment. Therefore, please consider your requirements carefully. Should you wish to redeem the deposit before maturity, your request may or may not be approved at our discretion. If approved, an interest adjustment will apply. This interest rate adjustment is a reduction in the interest rate to 0.75% per annum calculated daily for the length of the term already served. If the term served is less than one month, there will be no interest paid on the amount withdrawn. If you may need to access your funds during the investment term then this product may not be suitable for you. If the balance goes below the stated minimum amount the account will be closed with funds transferred to your Access account (which may pay a lower rate of interest). Prior to the maturity date, we will write to you seeking your instructions regarding payment or re-investment of your funds. Should you not respond, the funds will be re-invested for the same term at the current applicable interest rate. A cooling-off period of seven calendar days from the date of maturity applies.

Internet Banking and our app Internet Banking and our app allow you to make payments and view your account information 24 hours a day, seven days a week. You’re able to: • view your saving, investment, and loan account balances • view transaction history • initiate payments. You can access Internet Banking at banking.mylifemyfinance.com.au or download our app for free from the App Store and Google Play in Australia. Your temporary password When you first open an account with us, you’ll be issued with a User ID and we’ll send you a temporary password to your registered email. You’ll need to reset your password before you can access Internet Banking or our app. Your password can only be reset within Internet Banking, and when reset, can be used to log into both Internet Banking and our app.

Setting your password Your password must: • be at least eight (8) characters long • contain upper- and lower-case letters (e.g. A-Z, a-z) • contain at least one number (e.g. 0 – 9) • contain at least one special character (e.g. $, %, or #). Your password will be case sensitive. Once you’ve reset your password, you become an authorised user. Resetting your password After you have set your password, you can update this at any time from Internet Banking or our app. Resetting your password within Internet Banking To reset your password within Internet Banking, head to banking.mylifemyfinance.com.au Resetting your password within our app To reset your password within our app, you’ll need to download our app onto your device. Authorised users Only account owners or authorised signatories are eligible to become authorised users. We may, at our discretion, allow any person over the age of 14 years and authorised by you, to be an authorised user. Password security You’re responsible for the security of your password. You must keep your password secret and take all necessary steps to prevent unauthorised use. If you fail to protect your password, you may incur increased liability for unauthorised use. Loss of password If your password is stolen, or you suspect that your password is known to someone else, or you suspect any unauthorised use of your password, you must immediately log into Internet Banking or our app and change your password. You must also notify us. If you lose or forget your password, your password can be reset via Internet Banking or our app. Joint accounts If your account is jointly owned, then each of you will be issued with unique User IDs. Payment services will only be available where accounts are operated under an either-to-sign basis. Where your accounts are jointly owned, a password will be established for each account holder. This password is unique and personal to the authorised user and allows them to initiate transactions on the account(s) individually. Using Internet Banking and our app When you use your User ID and password to log into Internet Banking or our app, you’re authorising us to act on the instructions entered. Availability and updates From time to time, we may make changes to Internet Banking and our app, including enhancements, new features, and security updates, which means the services may be temporarily unavailable. We’ll endeavour to schedule any outages to times that will inconvenience you the least. If your app supports it, we recommend turning on app updates in your device settings. From time-to-time Internet Banking and our app may be unavailable due to the reliability and availability of third-party service providers, including software, network, and other service providers that enable your access. We reserve the right to suspend access to Internet Banking and/or our app at any time without notice for security reasons. We have no liability in respect of any unavailability of Internet Banking or our app. Cancelling registration You can cancel your Internet Banking and app service by calling us on 03 9629 4484 during our office hours. Before cancelling your registration, you should first cancel any future dated payments. These can be cancelled from within your Internet Banking or app service.


Electronic payments Marking payments You can make payments from your Access account or MySavings account to: • another account held with us • an account held at another Australian bank, using a BSB and account number • a registered biller using BPAY. Available funds You must ensure that enough funds are in your account to satisfy your payment. If you have arranged for a payment to be made in the future, you must ensure that enough funds are in your account by 11:00 pm EST/EDT the day before the payment is made. Failing to do so could result in us dishonouring your payment and/or lead to your account being overdrawn. We reserve the right to determine whether to pay or dishonour a payment if there are insufficient clear funds in the account. We also reserve the right to choose in which order payments will be paid. Any overdrawn amount without prior approval by us is payable immediately. Dishonour fees may apply if a payment is dishonoured. An overdrawn account fee may apply if a payment is paid which results in an overdrawn account or further overdrawing an already overdrawn account. Cut-off times Unless making a payment to an account held with us, you should be aware that cut-off times exist. Payments submitted before the cut-off times will be processed on the same business day. Payments made after the cut-off time on a business day, a weekend, or a public holiday will be processed on the next business day. The cut-off time for payments made to an account held at another Australian bank or to a registered biller via BPAY is 3.30 pm EST/EDT. Provided you meet the cut-off time, the payment will generally be received within two business days. Recurring payments You can authorise us to debit your account on a recurring basis to make payments on your behalf. The payment must be for a fixed amount and at fixed intervals (i.e. weekly, fortnightly, monthly, or quarterly). You must ensure that there are enough funds in your account to satisfy the payment when it falls due. Failing to do so could result in the dishonouring of your payment and/or lead to your account being overdrawn. Direct Debits The Direct Debit facility allows you to authorise a third-party organisation to instruct us to debit funds from your Access account. You must ensure that there are enough funds in your account to satisfy the payment when it falls due. Failing to do so could result in the dishonouring of your payment and/or lead to your account being overdrawn. Any refund of a direct debit processed to your account will need to be organised with the organisation who initiated the payment (unless an error was made by us). Payment limits You need to be aware that there are payment limits associated with certain payment types. To one of your accounts held with us Up to your available balance. To an account held with another Australian Bank The limit is $20,000 per day per account held with us. To a BPAY biller Up to your available balance. However, the biller may set payment limits or other restrictions, such as due dates or payment amounts. Direct debit Up to your available balance. Receiving payments You can receive payments into your Access account or MySavings account using the BSB and account number associated with your account. Dishonour fees may apply if a payment is received where the incorrect account number has been used and where we are required to manually process the payment to your account. We may reverse a payment received if we did not receive the value of the credit from the other financial institution.

Deposits Proceeds of any cheque deposited into an account will not be available until the cheque or other item is cleared. Cheques can be deposited at any Commonwealth Bank branch and are subject to a clearance period. Cheques drawn on interstate and overseas institutions may have longer clearance periods. In the case of a combined cash and cheque deposit made at a Westpac Bank branch, the total of the deposit will incur the standard clearance period. In case of a cheque deposit where the words and figures do not match, the lesser of the two values will be credited. Funding a Term Deposit A Term Deposit account or a Wholesale Term Deposit account can be funded by transferring the investment amount via: • using the BSB and account number. You have seven calendar days to fund the Term Deposit. If the Term Deposit is not fully funded within this period, any amounts received may be returned, along with any interest earned for the period of time the Term Deposit was opened, and the account may be closed. Once a Term Deposit has been fully funded, additional payments made into the Term Deposit will not be allowed. The start date of the Term Deposit will be the date at which we first received funds (either partially funding or fully funding the account). Mistaken payments Making a mistaken payment to someone A mistaken payment can occur when you enter an incorrect: • BSB and/or account number • payment amount. It is important that you notify us immediately if you become aware of a mistaken payment so we can attempt to recover the funds on your behalf. Ultimately, the recipient’s financial institution will decide whether to return the funds to you. You run the risk of a financial loss in the event the funds cannot be recovered. Making a mistaken BPAY payment A mistaken BPAY payment can occur when: • you provide us with an incorrect BPAY biller code and/or customer reference number • you enter an incorrect payment amount. You should notify us immediately if you become aware of a mistaken BPAY payment so we can attempt to recover funds on your behalf. If you’ve paid the biller too much, contact the biller directly and request for the funds to be returned. If you’ve paid too little, simply make an additional payment to cover the amount outstanding. Ultimately, the biller will decide whether to return the funds to you. You run the risk of a financial loss in the event the funds cannot be recovered. Receiving a mistaken payment You may receive a mistaken payment into your account. If this happens, please contact us immediately so that we can investigate. Mistaken payments will generally be returned to the original sender. We don’t accept liability for money credited to your account(s) in error by another financial institution. Blocking payments We generally act on your instructions to make a payment on the day you ask us to, but we may not be able to under certain circumstances, such as: • you don’t have enough funds available to make the payment • you’ve exceeded a payment limit • the information you’ve provided is incorrect or the destination account is closed • we reasonably consider the payment may be fraudulent or may result in a person breaching Australian or international law • in our opinion, we deem it reasonably necessary to do so.


Cancelling your right to make payments We may cancel or suspend your right to make a payment or use a payment service. We may do this: • to protect you or us from fraud or other loss • if we’re required to do so by law or court order • if we deem your use of the payment service is inappropriate or we have reasonable grounds to suspect that your use is in breach of Australian or international law. We accept no liability for losses resulting from us either blocking transactions or cancelling your payment service

eftpos card Your eftpos card When you open your first Access account with us, we’ll send you an eftpos card. An eftpos card allows you to access money in your Access account to: • make purchases in-store and online at participating merchants • withdraw cash from ATMs or at participating merchants. You can use your eftpos card in Australia wherever eftpos is accepted. Activating your card Before using your card, you need to activate it. You can do this by calling us on 03 9629 4484 during our office hours. Disputing transactions When you complete a transaction either at a point of sale or ATM, you will be provided with a receipt. We recommend that you check this receipt immediately and retain it as a record of the transaction. If you believe that there is an error you should first try to resolve the matter with the merchant. Otherwise, you can call us on 03 9629 4484 during our office hours to lodge a disputed transaction. Transaction limits Your eftpos card can be used to withdraw up to $2,000 daily from ATMs in Australia where eftpos is accepted. Some ATMs may have a withdrawal limit of less than $2,000. Your daily limit on purchases is up to $2,000. Overdrawing your account You agree that your eftpos card cannot be used to overdraw your Access account. If you overdraw your account, we may charge you an overdrawn account fee. Any overdrawn amount without prior approval by us is payable immediately. Fees and charges Any fees and charges associated with your eftpos card are outlined in our Fees and Charges Schedule. Protecting your money You must protect your eftpos card, PIN, and device to make sure that only you can take money out of your Access account. If you fail to protect your eftpos card, PIN, and device, you may be liable for fraudulent or unauthorised transactions. If you believe that your eftpos card has been misused, lost or stolen or your PIN security has been breached, you must advise us immediately by calling us on 03 9629 4484 during our office hours, or after hours on 1800 252 149. Protecting your card It is your responsibility to: • sign your card immediately on receipt • activate your card by calling us • not disclose your PIN to any other person. You should attempt to commit your PIN to memory and not disclose your PIN to any other person. Protecting your PIN A PIN is a number that is only known by you and is specific to your card. You agree to protect this PIN as a means of preventing fraudulent or unauthorised use of your eftpos card. To protect your PIN: • don’t write your PIN on the card or on anything that is kept with or near your card • don’t tell or show the PIN to another person including a family member or friend.

Blocking transactions We generally act on your instructions to make a payment, but we may not be able to under certain circumstances, such as: • you don’t have enough funds available to make the payment • you have exceeded a payment limit • we reasonably consider the payment may be fraudulent or may result in a person breaching Australian or international law • in our opinion, we deem it reasonably necessary not to do so. Cancelling your eftpos card We may cancel or suspend your right to make a payment or use a payment service. We may do this: • to protect you or us from fraud or other loss • if we’re required to do so by law or court order • if we deem your use of the payment service is inappropriate or we have reasonable grounds to suspect that your use is in breach of Australian or international law. We accept no liability for losses resulting from us either blocking transactions or cancelling your eftpos card.

Liability Your liability for unauthorised transactions You will be liable for losses and liabilities arising from unauthorised transactions where we can prove that it’s likely that you contributed to losses or liabilities as a result of: • fraud or failure to comply with our security requirements or breach of these terms • you unreasonably delayed notifying us that your passcode (which covers Internet Banking password, app password, eftpos PIN) has been compromised or breached. If a loss or liability arises as a result of your unreasonable delay in notifying us of any actual or potential breach of your passcode safety, you will be liable for the full amount of any losses that occur between the time you became aware of the breach and the time that you notified us. You won’t be liable for any part of the loss that: • exceeds any daily transaction limit on any one day that applies to your account(s) • arises during a period which exceeds any other periodic transaction limit that is applicable • which exceeds the actual balance of the relevant account. Where it cannot be established that you are liable for losses as outlined above, your liability will be the lesser of: • $150 • the balance of the relevant account(s) from which the unauthorised transaction was made • the actual loss at the time you notify us of the passcode security breach. You won’t be liable for any losses arising from unauthorised transactions where: • it is clear that you or a person authorised by you have not contributed to those losses • the losses occurred after you notified us that the passcode security was breached, or the service misused • the losses are caused by fraudulent or negligent conduct by our employees or agents or the employees or agents of any person involved in the electronic funds transfer network • a transaction has been incorrectly debited more than once to the same account • they occur before you have received your Internet Banking User ID. You will also not be liable for any unauthorised transactions which occur after you have given us notice in writing that you no longer wish to use Internet Banking or our app and we have confirmed in writing that your access has been cancelled.


Discontinued products Customer chequing As of 1 October 2019, customer chequing is no longer available. Existing facilities may remain in place, but new arrangements cannot be entered. A cheque account facility can only be attached to your Access account. If you have a cheque facility with us, you authorise us to: • transfer funds from your Access account to meet the value of cheques that you or your authorised signatory have signed • deduct any charges associated with the facility. We reserve the right to determine whether to pay or dishonour a cheque if there are insufficient clear funds in the account. We also reserve the right to choose in which order cheques will be paid. Any overdrawn amount without prior approval is payable immediately. This facility may be withdrawn at any time. This facility may be withdrawn by us at any time if it is not conducted in an appropriate manner and in accordance with these terms. Unauthorised use To reduce the risk of unauthorised use of your cheques, please ensure that all cheques are kept in a safe place to safeguard against loss, theft or fraud. If you become aware that your cheque or chequebook has been lost, stolen or used without your authority, you must contact us immediately. You may be liable for any loss arising from the failure to report the loss, theft or misuse of your chequebook. Please note that care must be exercised when writing a cheque. Ensure that you complete all areas of the cheque neatly and legibly, and that the cheque is signed. Stopping a cheque We must be advised in writing if you wish to stop a cheque. Fees Fees and charges apply to operate a customer cheque facility. A dishonour fee applies if a cheque is dishonoured. An overdrawn account fee may apply if a cheque is paid and the payment results in an overdrawn account. See our Fees and charges schedule for more information.

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Issued by MyLifeMyFinance Limited trading as MyLife MyFinance (ABN 54 087 651 750, AFSL/Australian Credit Licence Number 245606). MyLife MyFinance is owned by Togethr Trustees Pty Ltd (ABN 64 006 964 049, AFSL 246383) and is an authorised deposit taking institution regulated by the Australian Prudential Regulation Authority (APRA). The information contained herein is general information only. It has been prepared without considering your personal investment objectives, financial situation, or needs, it is not intended to be, and should not be, construed in any way as investment, legal or financial advice. Please consider your personal position, objectives, and requirements before taking any action. MF078 010520

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